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Employees of the US Government often enjoy benefits packages unparalleled by those offered in any other profession. The wide range of benefits available to federal employees goes way beyond insurance and retirement; these perks include job security, outstanding 'family friendly' health insurance and retirement plans, and steadily accumulating raises. You may be surprised to learn that federal government jobs - after ...

The Department of Labor's Employee Benefits Security Administration (EBSA) administers several important health benefit laws covering employer-based health plans. They govern your basic rights to information about how your health plan works, how to qualify for benefits, and how to make claims for benefits. In addition, there are specific laws protecting your right to health benefits when you lose coverage or ...

Federal employees enjoy a highly competitive health insurance program called the Federal Employee Health Benefits Program (FEHB). This program offers many unique and enticing features that set it apart from many private health insurance programs. These features are listed below: A Government Contribution The government pays 72 percent of the average premium toward the total cost of the your premium, but ...

A health plan that provides care through a network of physicians and hospitals in particular geographic or service areas. HMOs coordinate the health care service you receive and free you from completing paperwork or being billed for covered services. Your eligibility to enroll in an HMO is determined by where you live or, for some plans, where you work. Some HMOs ...

Fee-For-Service (FFS) plans generally use two approaches. Fee-for-Service (FFS) Plans (non-PPO) A traditional type of insurance in which the health plan will either pay the medical provider directly or reimburse you after you have filed an insurance claim for each covered medical expense. When you need medical attention, you visit the doctor or hospital of your choice. This approach may be ...

Employees As a Federal employee, you are eligible to elect FEHB coverage, unless your position is excluded by law or regulation. Your agency applies these rules and determines your eligibility. However, there are numerous special provisions for people in part-time or intermittent employment, temporary appointments, and specifically named positions. Dependents Family members eligible for coverage under yourself and family enrollment ...

In an HMO, the POS product lets you use providers who are not part of the HMO network. However, you pay more for using these non-network providers. You usually pay higher deductibles and coinsurances than you pay with a plan provider. You will also need to file a claim for reimbursement, like in a FFS plan. The HMO plan wants you ...

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